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I guess it can be a blessing to have the ability make unilateral investment decisions. But Rolf, wouldn't dinner table harmony gets disturbed anyway in case those decisions goes pear-shaped? Thanks Tess, those pointers are very helpful. I remember reading through your thread a few years ago...

Thanks Alex, I've never thought about it this way, the last paragraph answers my question. Hi Blacky, I might be missing something here, since a few posters have highlighted this point now. Doesn't the objective (80k pa passive income in 20 years time) automatically implies that, assuming...

Thanks Terry. I've assumed, perhaps incorrectly, that these structures you've listed will not allow discretionary routing of investment income for tax arbitrage? That's certainly is food for thought. I like having the option to move into development at some stage in the journey. Inner city...

Thanks everyone, very helpful. Anyone in a similar situation/constraint as mine? Keen to hear your stories. Summary so far: * Passive buy and hold * Start with new-ish inner city townhouses/villa and claim depreciation * Progress to small development if work situation changes Any other...

Thanks for the tip, I'll lookup the thread you're referring to. I quite like the research bit, crunching the numbers, testing scenarios. I can do that late at night after the kids are asleep. I would love to be able to do reno or small development work. But project managing builders and...

Sorry. perhaps I'm not using the right terminology. I meant to say the 400k loan is now only 30% of the value of the property. To do small development upfront, I would have to redraw some equity from the PPoR. Not sure how risky it is given how time poor I am at the moment. Perhaps the strategy...

Those are our family living expenses outside PPoR mortgage repayment. Total expenditure incl repayment is about 80k. We're a single income family, so my wife doesn't work. We keep some cash buffer for emergency, but most of our savings goes to the share portfolio and paying down PPoR debt.

We've estimated our living expenses at around 50kpa. I do have some share portfolio, the rest of our asset is equity in the PPoR. How did you get 200k asset btw? I thought 900k worth of equity in our PPoR counts for something. In addition to the above goals, I'm hoping to retire in around...

If you were in my shoes, how would you structure a property investment strategy for the following situation? The main thing that has been holding us back in our investment journey is a clear strategy. Being risk adverse and analytic by nature, I find it very difficult getting into something...